Ukuboleka (eyaziwa nangokuthi "ukuxhaswa kwemali") kwingqiqo yayo ngokubanzi ukunikezelwa kwesikhashana kwipropati okanye kwipropati komnye umntu onethemba lokuba liya kubuyiselwa. Kwimeko yoshishino kunye nemali, ukuboleka kufaka iintlobo ezininzi ezahlukeneyo zemali-mboleko.
Ukuboleka kunye nokuboleka kukunye ukuthengiselana kwimiba mibini.
Yintoni uMboleki?
Ababoleki ngamashishini okanye amaziko emali aboleka imali, ngokulindela ukuba iya kuhlawulwa.
Umboleki-mboleko uhlawulwa inzala kumboleki njengendleko yemboleko. Ephakamileyo ingozi yokungahlawulwa, iphakamileyo inzala.
Ukuboleka kwishishini (ngokukodwa kwishishini elitsha lokuqalisa ) liyimngcipheko, kungenxa yoko ababolekisi batyala amanqanaba aphezulu anomdla kwaye kaninzi abanikezi mboleko zentengiso.
Ababoleki abathathi inxaxheba kwishishini lakho ngendlela efanayo nabanini- nxaxheba kumashishini okanye abanikazi / amaqabane kwamanye amafemu ebhizinisi. Ngamanye amazwi, umboleki akanayo ubuni kwi shishini lakho.
Ababoleki banalo uhlobo oluthile lomngcipheko kumnini-shishini / abanini-mali. Ababoleki beza phambi kwabanikazi ngokwemigaqo yeentlawulo ukuba ishishini lingazihlawuli iindleko okanye ziye zaphawulwa . Oku kuthetha ukuba kufuneka uhlawule ababolekisi phambi kwakho kunye nabanye abanikazi bafumana nayiphi imali kwi-bankruptcy.
Ziziphi iintlobo zeeNgxowa-mboleko zorhwebo?
- Ukuxhaswa kweBhanki kwi-start-up ne- capital work
- Ukuxhaswa kwempahla yezinto zokusebenza kunye noomatshini okanye izithuthi zoshishino.
- Mortgages
- Inkxaso yemali yekhadi
- Umthengisi ngemali (ngokusebenzisa urhwebo ngetyala)
- Iimboleko zemali (ezikhuselekileyo)
Uhlobo lomboleki oya kulufuna umboleko wezoshishino kuxhomekeke kwizinto ezininzi:
- Inani lemali mboleko. Isixa semali ofuna ukuboleka sichaphazela uhlobo lomboleki. Kwiimali-mboleko ezinkulu, ungadinga udibaniso lweentlobo zemali-mboleko yezorhwebo.
- Iimpahla zithembisa. Ukuba unempahla yoshishino onokuzibambisa njengemboleko yembolekiso, unokufumana imigangatho engcono kunokuba umboleko wakho ungakhuselekanga.
- Uhlobo lwezinto. Imali yokubolekwa ngempahla ngokuqhelekileyo isakhiwo somhlaba kunye nesakhiwo, ngelixa izixhobo zemali mboleko kukuxhasa imali yenkcitho-mali njengezixhobo.
- Ukuqalisa okanye ukwandiswa . Imboleko yesiqalo iyona nzima kunzima ukufumana ngaphandle kwemboleko yokwandiswa kweshishini elikhoyo. Ukuqala, unokufuneka ukhangele ezinye zeentlobo ezingapheliyo zabathengi ezichazwe ngezantsi.
- Ixesha le mboleko. Kude kube nini ufuna imali? Ukuba udinga umboleko wesikhatshane-mali ukuqala kokuqalisa ishishini, uya kukhangela umboleki ohlukeneyo kunokuba umbolekisi wexesha elide lomhlaba kunye nesakhiwo.
Ziziphi iintlobo ezahlukeneyo zababoleki?
Ababolekisi abaqhelekileyo banabhanki, imibutho yamatyala kunye namanye amaziko emali.
Ngoku kutshanje, ababolekisi bexesha bathengiselwe ukubhekisela kumithombo engaphantsi kwemveli yemali yemboleko yemicimbi yamancinci, kuquka:
Ababolekisi bamontanga - obolekayo kubantu ngabanye, ngokusebenzisa imibutho ye-intanethi njenge-Club Lenders.
I-Crowdfunding , ngokusebenzisa imibutho efana neKickstarter, nabanye. Into enhle ngalaba babolekisi kukuba ayifuni inzala yentlawulo!
Ukuboleka kwintsapho kunye nabahlobo. Kukho imibutho ekunceda ukuhlenga iimeko ezikhohlakeleyo zezemali kunye nezomntu ezichaphazelekayo kule misebenzi. Ukuba ucinga ngomboleko kumntu owaziyo, qi niseka ukuba wenze isivumelwano semboleko. Ezi zivumelwano ngamanye amaxesha zibizwa ngokuba yimboleko yemicimbi yabucala.
Ukuboleka kuwe. Unokuboleka imali kwi-shishini lakho njengenye indlela yokutshala imali kuyo, kodwa qiniseka ukuba unesivumelwano esibhaliweyo esichaza ngokucacileyo indima yakho njengomboleki, kunye neentlawulo eziqhelekileyo kunye nemiphumo xa ibhizinisi lingenzi.
Ufuna iLender?
Njengoko ukhangela umboleki, qwalasela uhlobo lomboleko owufunayo, nokuba unayo nayiphi na impahla yokubambisa ngokumalunga nemboleko mboleko, kunye nezinye izinto eziza kukunika amandla okufumana imboleko yemveliso kunye nemimiselo yalo mboleko.
Ukufumana ulwazi oluninzi, khangela inqaku lam malunga ne- 4 C yeM Credit.
Imali yeMali kunye nababoleki
Unokuphinda ucinge ngoLawulo lweZimashishini ezincinane , olusebenza nababolekisi ukubonelela ngeemali zokubolekwa kwamashishini amancinci. I-7 yabo (a) inkqubo yemboleko inceda amashishini amancinci ukuba athole iimali-mboleko ezingenakho ukufaneleka ngenxa yokuba "ubuthathaka" kwizicelo zabo. I-SBA inezinye iinkqubo zemali-mboleko ezikhethekileyo ukuba ishishini lakho lifaneleke.